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From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: Welcome to Monzo
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Let’s get you set up
͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌     





 <https://clicks.monzo.com/f/a/hIg1uHHJnVwqjSE9AsiRfQ~~/AAAHahA~/R6y3vVwRb_PhCxYWIfSHiArFuTGH-TFPSCmfyd8LVp-vo2peSVJSkNJNh5UzgipP9ibKa1k6mcoW_--riq1sY6z-N2QTytBr-MQ0GHOZGMkq2oaXQbIQFiUzm9mAfQN6>





We've upgraded you to a 7-day free trial of Extra!
We won’t charge you when the trial ends.



Monzo, with Extra toppings

 <https://clicks.monzo.com/f/a/8XYFcboiZ-v3rLuficfJ6Q~~/AAAHahA~/L9unUurEp7jxjFMPcDr-ynEBzc3riYQ8SLbqAiNGyIn_VwH6bLyUKgtK4ks3R2Su1hP1L9HINnGvaXAgBUFROkrlQb1h8x_dneBi97B_XgQwqE0qfiaaEIkO_vDMM0tt>

Hey Robert, there’s a lot to explore with your Extra trial. Here’s a few 
ideas 👇



Why wait? Dive straight in.




 <https://clicks.monzo.com/f/a/L5I1fvep9RkFsawD0EVdzQ~~/AAAHahA~/rr0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enxG6fx04Nukob-Th0ouhPUmj1QXDwZrnpltluaRqePmRGTvQh5kbWcqSDjJLE6SPfbDdupVL_B0POM6B9qqh89_UT6B54E1h9ARYooqliAHQ~>

Connect your banks and credit cards
See balances and transactions with interactive graphs and Monzo-style 
breakdowns of your spending categories. Set spending targets too.



Connect banks 
<https://clicks.monzo.com/f/a/L5I1fvep9RkFsawD0EVdzQ~~/AAAHahA~/rr0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enxG6fx04Nukob-Th0ouhPUmj1QXDwZrnpltluaRqePmRGTvQh5kbWcqSDjJLE6SPfbDdupVL_B0POM6B9qqh89_UT6B54E1h9ARYooqliAHQ~>




 <https://clicks.monzo.com/f/a/dsJrBS3QIs1yWa-RNsDJBw~~/AAAHahA~/M2vWDmAHEHWdgYHLif2OouVscos08qParnqKjiGuHNuf-2nOIUE5sDWW7nBnIwrNJcxvB3loNK5wvNDBSkb-dTA9l1WbSs2FHmXFnqAE4O_acVsbmgwBcTQ7779sAt4a0fJ8agrfrmCpXuzKQoxQhqg9m05dGRUvcma5EUHJ8OI~>

Create virtual cards to spend safely
Buying online from somewhere new? Use a virtual card's details and delete it 
afterwards, because why not be safe? Even spend straight from a Pot.



Create virtual card 
<https://clicks.monzo.com/f/a/dsJrBS3QIs1yWa-RNsDJBw~~/AAAHahA~/M2vWDmAHEHWdgYHLif2OouVscos08qParnqKjiGuHNuf-2nOIUE5sDWW7nBnIwrNJcxvB3loNK5wvNDBSkb-dTA9l1WbSs2FHmXFnqAE4O_acVsbmgwBcTQ7779sAt4a0fJ8agrfrmCpXuzKQoxQhqg9m05dGRUvcma5EUHJ8OI~>




 <https://clicks.monzo.com/f/a/I88WxH21V_VqKYjIPkIArA~~/AAAHahA~/rr0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enmkvBX_Dr1XFUgUu-VuDtAL6VwW1RZcUUcJAz-FdBC0Tw2L-I4Xrcjj13tRXNVLV6ZB0dhpC9twu8PHgu95FLqoPpqOoBenjHHWeCVgQHJmc~>

Get insights on your credit health
Get a clear picture of your credit health, with your Experian, Equifax and 
TransUnion credit scores, and ways to improve it.



Get started 
<https://clicks.monzo.com/f/a/I88WxH21V_VqKYjIPkIArA~~/AAAHahA~/rr0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enmkvBX_Dr1XFUgUu-VuDtAL6VwW1RZcUUcJAz-FdBC0Tw2L-I4Xrcjj13tRXNVLV6ZB0dhpC9twu8PHgu95FLqoPpqOoBenjHHWeCVgQHJmc~>




 <https://clicks.monzo.com/f/a/QMDPYS6ck9_9C-Q9PLb6bw~~/AAAHahA~/7j2Foearn2nAI9KREPf9l4C5G4_T8vp5RWm1SO5eTdKKwQNiiulBa4i5lXWq--KKQeCqZpEwiYM5OciPDJRlTk3SX5JN_71FtYerbKTII6rklCUURE_EPvWZJ9X7iNN0k_t9fTkkksOVOTzzZlcRzeDEpQYbQRMQPZqbygAvok4~>

Get up close and personal with your spending
Understand your spending better with custom transaction and budgeting labels 
that reflect you, and only you.



Create personal categories 
<https://clicks.monzo.com/f/a/QMDPYS6ck9_9C-Q9PLb6bw~~/AAAHahA~/7j2Foearn2nAI9KREPf9l4C5G4_T8vp5RWm1SO5eTdKKwQNiiulBa4i5lXWq--KKQeCqZpEwiYM5OciPDJRlTk3SX5JN_71FtYerbKTII6rklCUURE_EPvWZJ9X7iNN0k_t9fTkkksOVOTzzZlcRzeDEpQYbQRMQPZqbygAvok4~>

Find all of this and more in your Extra 
<https://clicks.monzo.com/f/a/QEbPf4tZLSiW6rKixFkkew~~/AAAHahA~/ZFRGBgfk6ifXtxA_F0PhKB46EQpZiVCxoZaDWvNPtD4MXjThomdASgWq5hbPJ4SKDFRy0WydZyHKVSc5aCffHd0uh_HY9ZiGr-btukd8A88gG7emlc7WFU29o-Um8O_evTWgtCjoTG7Tiu5kcicOTw~~> 
home

Need help?



 <https://clicks.monzo.com/f/a/4JE2wKwhToAJHX-_3ZjaOA~~/AAAHahA~/o8ILHZvYQ3FFoxjOhxtjO5hYKZSF5g26azs99rLlparTzaG9_15U0Do853QqQgcmZW0rfJgOZhkUL2FFCrX95SOTVjLU8JUrlczrsHoanmzDztQE66H6UXzxntpLbmZ0KCzkOBQeS8k6URAhrm-3La7ROufDvp2UOLlH-s_zgYk~> 
Your account 
<https://clicks.monzo.com/f/a/4JE2wKwhToAJHX-_3ZjaOA~~/AAAHahA~/o8ILHZvYQ3FFoxjOhxtjO5hYKZSF5g26azs99rLlparTzaG9_15U0Do853QqQgcmZW0rfJgOZhkUL2FFCrX95SOTVjLU8JUrlczrsHoanmzDztQE66H6UXzxntpLbmZ0KCzkOBQeS8k6URAhrm-3La7ROufDvp2UOLlH-s_zgYk~>
details


 <https://clicks.monzo.com/f/a/atEAds8uTLpBYkN4M0gxBA~~/AAAHahA~/Uik3t0ojiB_lQsY7dfljdNoE4qLpb-iIdpNJfaMvECxZRYE9bGEkXK1LjyIn_5AB0vQ1WkTyH6RFYSea-RDj13empMkM8OakSn93lgzL-RXGNmVzPSfXXcFrJvtxA-Um7siVq3qjFAcBbb8bQlZm-Q~~> 
Help with 
<https://clicks.monzo.com/f/a/OwgonQBHQU5cOQK4n9pMVg~~/AAAHahA~/-ygXqZXiA-utkYTY6tmuiMjxlsQ2-4hD6EvOBWxp7ZQABGOXOMO4-ZwU0yxzZ65gxsF1yRuE5OTWgi-FiQRWQpjDk4DeS5AAwNnaRBDMTPTzTYpwBbjGFyOO04Sc0WIxX_A9VsiNrBnHWrwXukbV6g~~>
payments


 <https://clicks.monzo.com/f/a/A6Fd2DGMHD_DKQ5vCgvUGA~~/AAAHahA~/5fc3bJ3yffjlWTk43Cxahy7EiG5wW7xxQYZTA5GX20T_NxHJ7JheKmsOgNzvBfTe88SAmCJFO8cqMnQxFsKhF1oM5rthpKf7xW5T0_ICgvi8p_Nl40XRZe97mG8s2NFi7peqpHuvy_1JMFIYTJYKzUAbGjDQiRCY_F5UmTlr0Cfjb_cAQ6L3qEYa5hJAyxPs> 
Your terms and 
<https://clicks.monzo.com/f/a/A6Fd2DGMHD_DKQ5vCgvUGA~~/AAAHahA~/5fc3bJ3yffjlWTk43Cxahy7EiG5wW7xxQYZTA5GX20T_NxHJ7JheKmsOgNzvBfTe88SAmCJFO8cqMnQxFsKhF1oM5rthpKf7xW5T0_ICgvi8p_Nl40XRZe97mG8s2NFi7peqpHuvy_1JMFIYTJYKzUAbGjDQiRCY_F5UmTlr0Cfjb_cAQ6L3qEYa5hJAyxPs>
conditions



  <https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6780f40b2d3a560071ec1208/original.png?1736504331>

  <https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6780f40bad421d0072ddea00/original.png?1736504331>

  <https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6780f40b544bd90075dcab31/original.png?1736504331>

We're an authorised and regulated bank



 <https://clicks.monzo.com/f/a/eHn9YTmJ9KwQNJZ8ZH8J-Q~~/AAAHahA~/oKkvwd7vNFkTaPElPdxVZvUwff-jueBtxjJBq8Q938leccXh7IbuRhGCsV3328k2It3gnChLJGh3nQR01W7P5xmC5126EOUSDDX-vq2cfMZH1TxsPbMy9enal2TH87PKutzwv3Cfe_ZNor2kJeWcpQ~~> 
<https://clicks.monzo.com/f/a/7ikG8sp3AI7UOaRsA2LhEg~~/AAAHahA~/iAKVqOtV99DimvVae936D0XG_Hl8dxOsn69SIFUy3F0wDh9TLLruqFxNGu2oWYJ-0SJx9YdYFFNoym4S_zdMabNubY5n24HwNDC8yD1AK3qzJrC6YMaa4iA14_qAImCO>


 <https://clicks.monzo.com/f/a/2e8KGapo-AGoylyuKB_eWw~~/AAAHahA~/KU9QUSQCn1S12ivUrRF7fgAMq0qKesHGv_Wy_rbWrPLYvyRK2a2CYQr0FNv4EOMNjH4UWYA6UMRsrG9nrlf22dZUrosTzPE9LJ1_AFwisZAAJRqIcUSluthHCIvREIoxbcOaO-NWVf3kFe7_cvc7kSLItUWhSA4jwnjctcEjASx8ygxjMoIolquSwhWwnnj1> 
<https://clicks.monzo.com/f/a/qLTlkx864CgSCWUNK7TxYA~~/AAAHahA~/DblhjVM9hPusv-URfM4E_7mzdNRG2qFYvsZR9PDv0z9AySRE_RayXwnM4R2hNeRFtlt6jvDOSSRuysxaxXheZB_qBW4qZbTRoJDZbzoSkLvi0s5VhOiHwKFIxQ27abzoDpZjjj6sfF7foyaMZi_oOg~~>


 <https://clicks.monzo.com/f/a/doVlnXWutg6hDwP9lmwqhw~~/AAAHahA~/ITKOeK6opfnmUEKftzGWaYhfP-7OgEcDEq2AwML4XUfNvbO2142oOeK5h73HgqsS_HT3b0SuaqAwl6e6kIlhYPuytCchwqU_3ONsxvtF-7I~>
This is an important message about your Monzo account. If you've 
unsubscribed from marketing emails, don't worry, we won't send you any of 
those.
Monzo Bank Limited is a company registered in England and Wales 
(No.09446231) registered at Broadwalk House, 5 Appold Street, London EC2A 
2AG.
Monzo Bank Ltd is authorised by the Prudential Regulation Authority and 
regulated by the Financial Conduct Authority and the Prudential Regulation 
Authority. Our Financial Services Register number is 730427.

 <https://clicks.monzo.com/f/a/lmmm77YCJ8Gsm_Kt8xqD1A~~/AAAHahA~/p29OmTywqx8SjVjUiPyt0LhzYIe39RWchZDtTBAO8d2OyXPJG8xB4KUI7Fl2V1p--6LJ8e8D9enV2gbvVl5j65pZIWceXZp70_XnaT8cpxAZetxmKo_ECol3759RVW2BcpHcg5bJuM-1LCvnnNLW9A~~> 
<https://clicks.monzo.com/f/a/tqtPHbBC70yLWp0Ule8wFg~~/AAAHahA~/AcB1i3bCa5n5W6ddmjEsJeVYMnlSfiy5077sKhjvoJdXGnqa_DdMXql2zRTm9_cZh4SoSZPeVltzrF4l0I_VbVY0rrZG7i0p9sJf2QDzxerDbiAwL-WRydd3HYTBEuru> 
<https://clicks.monzo.com/f/a/7qqMHYfI96vIpv-opBRMHw~~/AAAHahA~/SCzIx4qqwWbFZ1Vyv8sF7jxTQ5x96FZZHxqLpc91aYecuA1wXJnrhPHya0QNtHoB4VmJ9Gt15m5OgaWdk_qi_pXZi7LQxdM6jqfARZuBURWLbdMxC4LTmq-qTHi4IFFa>
  <https://clicks.monzo.com/q/O8koG5Q6e6RetvQQFjsjkA~~/AAAHahA~/558NhTG87IeaoPT5rQ3p5uh2CPHF13k8gnWGpJsrdS9Muuv1EVgYTjXug-rCNP644_5waxcXSZwQp5hPYM-luA~~>

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=0A=
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=0A=
      @font-face {=0A=
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url(https://monzo.com/static/fonts/MonzoSansText-Regular.woff2) =
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=0A=
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=0A=
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=0A=
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=0A=
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=0A=
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=0A=
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=0A=
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=0A=
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=0A=
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url('https://cdn.braze.eu/appboy/communication/assets/image_assets/images=
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=0A=
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  </style>=0A=
=0A=
  <title>Monzo</title>=0A=
=0A=
</head>=0A=
<body>=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">Let=
=E2=80=99s get you set up</div>=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">=CD=
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=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF </div>=0A=
<p>=0A=
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=0A=
=0A=
=0A=
=0A=
=0A=
</p>=0A=
  <div role=3D"article" aria-roledescription=3D"email" =
aria-label=3D"Email from Monzo" xml:lang=3D"en" lang=3D"en">=0A=
=0A=
=0A=
    <!-- Email Start -->=0A=
    <table class=3D"darkmode" bgcolor=3D"#FFFFFF" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"width:100%;">=0A=
=0A=
      <!-- Email Inner Start -->=0A=
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        <td align=3D"center">=0A=
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fullWidth" width=3D"650" border=3D"0" cellspacing=3D"0" =
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style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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          =0A=
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            <!-- SUBS GRADIENT HEADER Start -->=0A=
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        <td class=3D"subsBg darkmodeGradientBg" =
background=3D"https://cdn.braze.eu/appboy/communication/assets/image_asse=
ts/images/661671a70b2084004c2fec7b/original.png?1712746918" =
bgcolor=3D"#F2F8F3" width=3D"650" valign=3D"top" =
style=3D"background-repeat:no-repeat;background-position:center;backgroun=
d-size:cover;">=0A=
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src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
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border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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                        <!-- Logo Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td height=3D"40" style=3D"font-size:1px; =
line-height:0; mso-margin-top-alt:1px;height:40px;max-height:40px;"> =
&nbsp;=0A=
                          </td>=0A=
                        </tr>=0A=
                  <tr>=0A=
                    <td align=3D"center">=0A=
                      <a =
href=3D"https://clicks.monzo.com/f/a/hIg1uHHJnVwqjSE9AsiRfQ~~/AAAHahA~/R6=
y3vVwRb_PhCxYWIfSHiArFuTGH-TFPSCmfyd8LVp-vo2peSVJSkNJNh5UzgipP9ibKa1k6mco=
W_--riq1sY6z-N2QTytBr-MQ0GHOZGMkq2oaXQbIQFiUzm9mAfQN6" target=3D"_blank">=0A=
                        <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/63243b649248f072e000e529/original.png?1663318884" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;" width=3D"113" alt=3D"Monzo">=0A=
                      </a>=0A=
                    </td>=0A=
                  </tr>=0A=
                  <tr>=0A=
                          <td height=3D"40" style=3D"font-size:1px; =
line-height:0; mso-margin-top-alt:1px;height:40px;max-height:40px;"> =
&nbsp;=0A=
                          </td>=0A=
                        </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Logo End -->=0A=
            <!-- Header Start -->=0A=
                  <tr>=0A=
                    <td align=3D"center" class=3D"mPadLR">=0A=
                      <table align=3D"center" bgcolor=3D"#FFFFFF" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
                                 <!-- Free Trial Banner Start -->=0A=
                                    <tr>=0A=
                                      <td height=3D"25" =
style=3D"font-size:1px; line-height:0; =
mso-margin-top-alt:1px;height:25px;max-height:25px;"> &nbsp;=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                    <tr>=0A=
                                      <td align=3D"center" =
class=3D"mPadLR">=0A=
                                        <table align=3D"center" =
bgcolor=3D"#F2F8F3" class=3D"darkmode3 fullWidth" width=3D"570" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;border-radius:15px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td height=3D"15" =
style=3D"font-size:1px; line-height:0; =
mso-margin-top-alt:1px;height:15px;max-height:15px;"> &nbsp;=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                          <tr>=0A=
                                            <td class=3D"mPadLR =
darkmodeFont1" align=3D"center" style=3D"font-family:'MonzoSansB', =
Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:14px;line-height:20px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;">We've upgraded you to =
a 7-day free trial of Extra!&nbsp;<br class=3D"displayNone">We =
won=E2=80=99t charge you when the trial ends.=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                    <tr>=0A=
                                      <td height=3D"15" =
style=3D"font-size:1px; line-height:0; =
mso-margin-top-alt:1px;height:15px;max-height:15px;"> &nbsp;=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                        </table>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  <!-- Free Trial Banner End -->  =0A=
                        <tr>=0A=
                          <td align=3D"center" class=3D"mPadLR">=0A=
                            <table align=3D"center" class=3D"fullWidth" =
width=3D"525" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:525px;" role=3D"presentation">=0A=
                                  <!-- Title Start -->=0A=
                                    <tr>=0A=
                                      <td height=3D"25" =
style=3D"font-size:1px; line-height:0; =
mso-margin-top-alt:1px;height:25px;max-height:25px;"> &nbsp;=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                    <tr>=0A=
                                      <td class=3D"darkmodeFont1 =
textCenter" align=3D"center" style=3D"font-family:'Oldschool', Tahoma, =
Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:37px;line-height:46px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:center;">Monzo, with Extra =
toppings=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  <!-- Title End -->=0A=
                              <tr>=0A=
                                <td height=3D"20" =
style=3D"font-size:1px; line-height:0; =
mso-margin-top-alt:1px;height:20px;max-height:20px;"> &nbsp;=0A=
                                </td>=0A=
                              </tr>=0A=
                                  <!-- Image Start -->=0A=
                                    <tr>=0A=
                                      <td align=3D"center">=0A=
                                        <a =
href=3D"https://clicks.monzo.com/f/a/8XYFcboiZ-v3rLuficfJ6Q~~/AAAHahA~/L9=
unUurEp7jxjFMPcDr-ynEBzc3riYQ8SLbqAiNGyIn_VwH6bLyUKgtK4ks3R2Su1hP1L9HINnG=
vaXAgBUFROkrlQb1h8x_dneBi97B_XgQwqE0qfiaaEIkO_vDMM0tt" target=3D"_blank">=0A=
                                           <img class=3D"mobHeaderImg" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/679bbd9556692e0063c783a3/original.png?1738259861" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:450px;" width=3D"450" alt=3D"A =
hand placing a cherry on an ice cream sundae">=0A=
                                        </a>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                    <!-- Image End -->=0A=
                              <tr>=0A=
                                <td height=3D"20" =
style=3D"font-size:1px; line-height:0; =
mso-margin-top-alt:1px;height:20px;max-height:20px;"> &nbsp;=0A=
                                </td>=0A=
                              </tr>=0A=
                              <!-- Intro copy Start -->=0A=
                              <tr>=0A=
                                <td class=3D"darkmodeFont2" =
align=3D"center" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;">Hey Robert, =
there=E2=80=99s a lot to explore with your Extra trial. Here=E2=80=99s a =
few ideas&nbsp;=F0=9F=91=87=0A=
                                </td>=0A=
                              </tr>=0A=
                              <!-- Intro copy End -->=0A=
                              <tr>=0A=
                                <td height=3D"30" =
style=3D"font-size:1px; line-height:0; =
mso-margin-top-alt:1px;height:30px;max-height:30px;"> &nbsp;=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                      </table>=0A=
                    </td>=0A=
                  </tr>=0A=
            <!-- Header End -->=0A=
                  <tr>=0A=
                    <td height=3D"20" style=3D"font-size:1px; =
line-height:0; mso-margin-top-alt:1px;height:20px;max-height:20px;"> =
&nbsp;=0A=
                    </td>=0A=
                  </tr>=0A=
                </table>=0A=
                </div>=0A=
                <!--[if mso]>=0A=
                  </v:textbox>=0A=
                </v:rect>=0A=
                <![endif]-->=0A=
              </td>=0A=
            </tr>=0A=
            <!-- SUBS GRADIENT HEADER End -->=0A=
            =0A=
            =0A=
            <!-- Subtitle Start -->=0A=
            <tr>=0A=
              <td align=3D"center" style=3D"padding:0px 20px;">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"570" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                      <!-- Subheader Start -->=0A=
                        <tr>=0A=
                          <td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'Oldschool', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:30px 0px 20px =
0px;">Why wait? Dive straight in.=0A=
                          </td>=0A=
                        </tr>=0A=
                      <!-- Subheader End -->=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Subtitle End -->=0A=
=0A=
            <!-- Module 1 Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td align=3D"center" style=3D"padding:10px =
20px 10px 20px;">=0A=
                            <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center" class=3D"mPad2" =
style=3D"padding:10px 0px;">=0A=
                                  <table align=3D"center" =
class=3D"fullWidth" width=3D"570" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td align=3D"center">=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"200" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt; width:200px;float:left;" role=3D"presentation">=0A=
                                          <!-- Image Start -->=0A=
                                          <tr>=0A=
                                            <td align=3D"center">=0A=
                                                <a =
href=3D"https://clicks.monzo.com/f/a/L5I1fvep9RkFsawD0EVdzQ~~/AAAHahA~/rr=
0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enxG6fx04Nuko=
b-Th0ouhPUmj1QXDwZrnpltluaRqePmRGTvQh5kbWcqSDjJLE6SPfbDdupVL_B0POM6B9qqh8=
9_UT6B54E1h9ARYooqliAHQ~" target=3D"_blank">=0A=
                                                  <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/661906c40e430b005413dc89/original.png?1712916164" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block; width:200px;" width=3D"200" =
alt=3D"A Monzo wallet surrounded by various bank cards.">=0A=
                                                </a>=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Image End -->=0A=
                                        </table>=0A=
                                        <!--[if =
mso]></td><td><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"20" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
                                          <tr>=0A=
                                            <td>=0A=
                                              &nbsp;=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                        </table>=0A=
                                        <!--[if mso]></td><td =
valign=3D"top"><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"350" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:350px;float:left;" role=3D"presentation">=0A=
                                          <!-- Title Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont2 =
textCenter tPad-0" align=3D"center" style=3D"font-family:'Oldschool', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:18px;line-height:26px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:20px 0px 0px =
0px;">Connect your banks and credit cards=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Title End -->=0A=
                                          <!-- Copy Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont1 =
textCenter" align=3D"center" style=3D"font-family:'MonzoSansR', Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:10px 0px 0px =
0px;">See balances and transactions with interactive graphs and =
Monzo-style breakdowns of your spending categories. Set spending targets =
too.=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Copy End -->=0A=
                                          <!-- CTA Start -->=0A=
                                                <tr>=0A=
                                                  <td align=3D"center" =
style=3D"padding:20px 0px 0px 0px;">=0A=
                                                    <table =
align=3D"left" class=3D"fullWidth" width=3D"280" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
                                                      <tr>=0A=
                              														<td align=3D"center">=0A=
                              															<table align=3D"center" =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">=0A=
                                                                    <tr>=0A=
                                                                      =
<td align=3D"center">=0A=
                                                                        =
<div>=0A=
<!--[if mso]>=0A=
                                                                         =
 <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/L5I1fvep9RkFsawD0EVdzQ~~/AAAHahA~/rr=
0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enxG6fx04Nuko=
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style=3D"height:40px;v-text-anchor:middle;width:280px;" arcsize=3D"63%" =
stroke=3D"f" fill=3D"t">=0A=
                                                                         =
   <v:fill type=3D"tile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6614110c891a7306af043da0/original.png?1712591116" color=3D"#2A91CC" />=0A=
                                                                         =
   <w:anchorlock/>=0A=
                                                                         =
   <center =
style=3D"color:#FFFFFF;font-family:sans-serif;font-size:13px;font-weight:=
bold;">Connect banks</center>=0A=
                                                                         =
 </v:roundrect>=0A=
                                                                        =
<![endif]-->=0A=
                                                                        =
<a class=3D"fullWidth darkmodeFont1" =
href=3D"https://clicks.monzo.com/f/a/L5I1fvep9RkFsawD0EVdzQ~~/AAAHahA~/rr=
0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enxG6fx04Nuko=
b-Th0ouhPUmj1QXDwZrnpltluaRqePmRGTvQh5kbWcqSDjJLE6SPfbDdupVL_B0POM6B9qqh8=
9_UT6B54E1h9ARYooqliAHQ~" target=3D"_blank" =
style=3D"background-color:#2A91CC;background-image:url(https://cdn.braze.=
eu/appboy/communication/assets/image_assets/images/6614110c891a7306af043d=
a0/original.png?1712591116);border-radius:25px;color:#FFFFFF;display:inli=
ne-block;font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-size:16px;font-weight:bold;line-height:40px;text-align:ce=
nter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;mso-h=
ide:all;background-size:cover;background-position:center;">Connect =
banks</a>=0A=
                                                                        =
</div>=0A=
                                                                      =
</td>=0A=
                                                                    </tr>=0A=
                                                              </table>=0A=
                              															</td>=0A=
                              														</tr>=0A=
                                                    </table>=0A=
                                                  </td>=0A=
                                                </tr>=0A=
                                          <!-- CTA End -->=0A=
                                        </table>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Module 1 End -->=0A=
=0A=
            <!-- Module 2 Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td align=3D"center" style=3D"padding:10px =
20px 10px 20px;">=0A=
                            <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center" class=3D"mPad2" =
style=3D"padding:10px 0px;">=0A=
                                  <table align=3D"center" =
class=3D"fullWidth" width=3D"570" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td align=3D"center">=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"200" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt; width:200px;float:left;" role=3D"presentation">=0A=
                                          <!-- Image Start -->=0A=
                                          <tr>=0A=
                                            <td align=3D"center">=0A=
                                                <a =
href=3D"https://clicks.monzo.com/f/a/dsJrBS3QIs1yWa-RNsDJBw~~/AAAHahA~/M2=
vWDmAHEHWdgYHLif2OouVscos08qParnqKjiGuHNuf-2nOIUE5sDWW7nBnIwrNJcxvB3loNK5=
wvNDBSkb-dTA9l1WbSs2FHmXFnqAE4O_acVsbmgwBcTQ7779sAt4a0fJ8agrfrmCpXuzKQoxQ=
hqg9m05dGRUvcma5EUHJ8OI~" target=3D"_blank">=0A=
                                                  <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/661906c4083596005fed4b22/original.png?1712916164" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block; width:200px;" width=3D"200" =
alt=3D"3 hangers on a rack holding various coloured bank cards.">=0A=
                                                </a>=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Image End -->=0A=
                                        </table>=0A=
                                        <!--[if =
mso]></td><td><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"20" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
                                          <tr>=0A=
                                            <td>=0A=
                                              &nbsp;=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                        </table>=0A=
                                        <!--[if mso]></td><td =
valign=3D"top"><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"350" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:350px;float:left;" role=3D"presentation">=0A=
                                          <!-- Title Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont2 =
textCenter tPad-0" align=3D"center" style=3D"font-family:'Oldschool', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:18px;line-height:26px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:20px 0px 0px =
0px;">Create virtual cards to spend safely=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Title End -->=0A=
                                          <!-- Copy Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont1 =
textCenter" align=3D"center" style=3D"font-family:'MonzoSansR', Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:10px 0px 0px =
0px;">Buying online from somewhere new? Use a virtual card's details and =
delete it afterwards, because why not be safe? Even spend straight from =
a Pot.=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Copy End -->=0A=
                                          <!-- CTA Start -->=0A=
                                                <tr>=0A=
                                                  <td align=3D"center" =
style=3D"padding:20px 0px 0px 0px;">=0A=
                                                    <table =
align=3D"left" class=3D"fullWidth" width=3D"280" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
                                                      <tr>=0A=
                              														<td align=3D"center">=0A=
                              															<table align=3D"center" =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">=0A=
                                                                    <tr>=0A=
                                                                      =
<td align=3D"center">=0A=
                                                                        =
<div>=0A=
<!--[if mso]>=0A=
                                                                         =
 <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/dsJrBS3QIs1yWa-RNsDJBw~~/AAAHahA~/M2=
vWDmAHEHWdgYHLif2OouVscos08qParnqKjiGuHNuf-2nOIUE5sDWW7nBnIwrNJcxvB3loNK5=
wvNDBSkb-dTA9l1WbSs2FHmXFnqAE4O_acVsbmgwBcTQ7779sAt4a0fJ8agrfrmCpXuzKQoxQ=
hqg9m05dGRUvcma5EUHJ8OI~" =
style=3D"height:40px;v-text-anchor:middle;width:280px;" arcsize=3D"63%" =
stroke=3D"f" fill=3D"t">=0A=
                                                                         =
   <v:fill type=3D"tile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6614110c891a7306af043da0/original.png?1712591116" color=3D"#2A91CC" />=0A=
                                                                         =
   <w:anchorlock/>=0A=
                                                                         =
   <center =
style=3D"color:#FFFFFF;font-family:sans-serif;font-size:13px;font-weight:=
bold;">Create virtual card</center>=0A=
                                                                         =
 </v:roundrect>=0A=
                                                                        =
<![endif]-->=0A=
                                                                        =
<a class=3D"fullWidth darkmodeFont1" =
href=3D"https://clicks.monzo.com/f/a/dsJrBS3QIs1yWa-RNsDJBw~~/AAAHahA~/M2=
vWDmAHEHWdgYHLif2OouVscos08qParnqKjiGuHNuf-2nOIUE5sDWW7nBnIwrNJcxvB3loNK5=
wvNDBSkb-dTA9l1WbSs2FHmXFnqAE4O_acVsbmgwBcTQ7779sAt4a0fJ8agrfrmCpXuzKQoxQ=
hqg9m05dGRUvcma5EUHJ8OI~" target=3D"_blank" =
style=3D"background-color:#2A91CC;background-image:url(https://cdn.braze.=
eu/appboy/communication/assets/image_assets/images/6614110c891a7306af043d=
a0/original.png?1712591116);border-radius:25px;color:#FFFFFF;display:inli=
ne-block;font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-size:16px;font-weight:bold;line-height:40px;text-align:ce=
nter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;mso-h=
ide:all;background-size:cover;background-position:center;">Create =
virtual card</a>=0A=
                                                                        =
</div>=0A=
                                                                      =
</td>=0A=
                                                                    </tr>=0A=
                                                              </table>=0A=
                              															</td>=0A=
                              														</tr>=0A=
                                                    </table>=0A=
                                                  </td>=0A=
                                                </tr>=0A=
                                          <!-- CTA End -->=0A=
                                        </table>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Module 2 End -->=0A=
=0A=
            <!-- Module 3 Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td align=3D"center" style=3D"padding:10px =
20px 10px 20px;">=0A=
                            <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center" class=3D"mPad2" =
style=3D"padding:10px 0px;">=0A=
                                  <table align=3D"center" =
class=3D"fullWidth" width=3D"570" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td align=3D"center">=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"200" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt; width:200px;float:left;" role=3D"presentation">=0A=
                                          <!-- Image Start -->=0A=
                                          <tr>=0A=
                                            <td align=3D"center">=0A=
                                                <a =
href=3D"https://clicks.monzo.com/f/a/I88WxH21V_VqKYjIPkIArA~~/AAAHahA~/rr=
0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enmkvBX_Dr1XF=
UgUu-VuDtAL6VwW1RZcUUcJAz-FdBC0Tw2L-I4Xrcjj13tRXNVLV6ZB0dhpC9twu8PHgu95FL=
qoPpqOoBenjHHWeCVgQHJmc~" target=3D"_blank">=0A=
                                                  <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/661906c40e430b005413dc89/original.png?1712916164" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block; width:200px;" width=3D"200" =
alt=3D"A Monzo wallet surrounded by various bank cards.">=0A=
                                                </a>=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Image End -->=0A=
                                        </table>=0A=
                                        <!--[if =
mso]></td><td><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"20" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
                                          <tr>=0A=
                                            <td>=0A=
                                              &nbsp;=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                        </table>=0A=
                                        <!--[if mso]></td><td =
valign=3D"top"><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"350" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:350px;float:left;" role=3D"presentation">=0A=
                                          <!-- Title Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont2 =
textCenter tPad-0" align=3D"center" style=3D"font-family:'Oldschool', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:18px;line-height:26px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:20px 0px 0px =
0px;">Get insights on your credit health=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Title End -->=0A=
                                          <!-- Copy Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont1 =
textCenter" align=3D"center" style=3D"font-family:'MonzoSansR', Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:10px 0px 0px =
0px;">Get a clear picture of your credit health, with your Experian, =
Equifax and TransUnion credit scores, and ways to improve&nbsp;it.=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Copy End -->=0A=
                                          <!-- CTA Start -->=0A=
                                                <tr>=0A=
                                                  <td align=3D"center" =
style=3D"padding:20px 0px 0px 0px;">=0A=
                                                    <table =
align=3D"left" class=3D"fullWidth" width=3D"280" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
                                                      <tr>=0A=
                              														<td align=3D"center">=0A=
                              															<table align=3D"center" =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">=0A=
                                                                    <tr>=0A=
                                                                      =
<td align=3D"center">=0A=
                                                                        =
<div>=0A=
<!--[if mso]>=0A=
                                                                         =
 <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/I88WxH21V_VqKYjIPkIArA~~/AAAHahA~/rr=
0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enmkvBX_Dr1XF=
UgUu-VuDtAL6VwW1RZcUUcJAz-FdBC0Tw2L-I4Xrcjj13tRXNVLV6ZB0dhpC9twu8PHgu95FL=
qoPpqOoBenjHHWeCVgQHJmc~" =
style=3D"height:40px;v-text-anchor:middle;width:280px;" arcsize=3D"63%" =
stroke=3D"f" fill=3D"t">=0A=
                                                                         =
   <v:fill type=3D"tile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6614110c891a7306af043da0/original.png?1712591116" color=3D"#2A91CC" />=0A=
                                                                         =
   <w:anchorlock/>=0A=
                                                                         =
   <center =
style=3D"color:#FFFFFF;font-family:sans-serif;font-size:13px;font-weight:=
bold;">Get started</center>=0A=
                                                                         =
 </v:roundrect>=0A=
                                                                        =
<![endif]-->=0A=
                                                                        =
<a class=3D"fullWidth darkmodeFont1" =
href=3D"https://clicks.monzo.com/f/a/I88WxH21V_VqKYjIPkIArA~~/AAAHahA~/rr=
0B0NnWr0lT0_D-16m5DUh5wok_54ddyNECVmHrm3v0ezvRzfzla_tgF2S9G8enmkvBX_Dr1XF=
UgUu-VuDtAL6VwW1RZcUUcJAz-FdBC0Tw2L-I4Xrcjj13tRXNVLV6ZB0dhpC9twu8PHgu95FL=
qoPpqOoBenjHHWeCVgQHJmc~" target=3D"_blank" =
style=3D"background-color:#2A91CC;background-image:url(https://cdn.braze.=
eu/appboy/communication/assets/image_assets/images/6614110c891a7306af043d=
a0/original.png?1712591116);border-radius:25px;color:#FFFFFF;display:inli=
ne-block;font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-size:16px;font-weight:bold;line-height:40px;text-align:ce=
nter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;mso-h=
ide:all;background-size:cover;background-position:center;">Get =
started</a>=0A=
                                                                        =
</div>=0A=
                                                                      =
</td>=0A=
                                                                    </tr>=0A=
                                                              </table>=0A=
                              															</td>=0A=
                              														</tr>=0A=
                                                    </table>=0A=
                                                  </td>=0A=
                                                </tr>=0A=
                                          <!-- CTA End -->=0A=
                                        </table>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Module 3 End -->=0A=
=0A=
            <!-- Module 4 Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td align=3D"center" style=3D"padding:10px =
20px 10px 20px;">=0A=
                            <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center" class=3D"mPad2" =
style=3D"padding:10px 0px;">=0A=
                                  <table align=3D"center" =
class=3D"fullWidth" width=3D"570" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td align=3D"center">=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"200" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt; width:200px;float:left;" role=3D"presentation">=0A=
                                          <!-- Image Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"tPad-0" =
align=3D"center" style=3D"padding:10px 0px 0px 0px;">=0A=
                                                <a =
href=3D"https://clicks.monzo.com/f/a/QMDPYS6ck9_9C-Q9PLb6bw~~/AAAHahA~/7j=
2Foearn2nAI9KREPf9l4C5G4_T8vp5RWm1SO5eTdKKwQNiiulBa4i5lXWq--KKQeCqZpEwiYM=
5OciPDJRlTk3SX5JN_71FtYerbKTII6rklCUURE_EPvWZJ9X7iNN0k_t9fTkkksOVOTzzZlcR=
zeDEpQYbQRMQPZqbygAvok4~" target=3D"_blank">=0A=
                                                  <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/661906c4db73fd0055fef37b/original.png?1712916164" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block; width:200px;" width=3D"200" =
alt=3D"A stack of books, with a coffee, a house and an animal footprint =
icon on each.">=0A=
                                                </a>=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Image End -->=0A=
                                        </table>=0A=
                                        <!--[if =
mso]></td><td><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"20" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
                                          <tr>=0A=
                                            <td>=0A=
                                              &nbsp;=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                        </table>=0A=
                                        <!--[if mso]></td><td =
valign=3D"top"><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"350" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:350px;float:left;" role=3D"presentation">=0A=
                                          <!-- Title Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont2 =
textCenter tPad-0" align=3D"center" style=3D"font-family:'Oldschool', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:18px;line-height:26px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:20px 0px 0px =
0px;">Get up close and personal with your spending=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Title End -->=0A=
                                          <!-- Copy Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont1 =
textCenter" align=3D"center" style=3D"font-family:'MonzoSansR', Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:10px 0px 0px =
0px;">Understand your spending better with custom transaction and =
budgeting labels that reflect you, and only&nbsp;you.=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Copy End -->=0A=
                                          <!-- CTA Start -->=0A=
                                                <tr>=0A=
                                                  <td align=3D"center" =
style=3D"padding:20px 0px 20px 0px;">=0A=
                                                    <table =
align=3D"left" class=3D"fullWidth" width=3D"280" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
                                                      <tr>=0A=
                              														<td align=3D"center">=0A=
                              															<table align=3D"center" =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">=0A=
                                                                    <tr>=0A=
                                                                      =
<td align=3D"center">=0A=
                                                                        =
<div>=0A=
<!--[if mso]>=0A=
                                                                         =
 <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/QMDPYS6ck9_9C-Q9PLb6bw~~/AAAHahA~/7j=
2Foearn2nAI9KREPf9l4C5G4_T8vp5RWm1SO5eTdKKwQNiiulBa4i5lXWq--KKQeCqZpEwiYM=
5OciPDJRlTk3SX5JN_71FtYerbKTII6rklCUURE_EPvWZJ9X7iNN0k_t9fTkkksOVOTzzZlcR=
zeDEpQYbQRMQPZqbygAvok4~" =
style=3D"height:40px;v-text-anchor:middle;width:280px;" arcsize=3D"63%" =
stroke=3D"f" fill=3D"t">=0A=
                                                                         =
   <v:fill type=3D"tile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6614110c891a7306af043da0/original.png?1712591116" color=3D"#2A91CC" />=0A=
                                                                         =
   <w:anchorlock/>=0A=
                                                                         =
   <center =
style=3D"color:#FFFFFF;font-family:sans-serif;font-size:13px;font-weight:=
bold;">Create personal categories</center>=0A=
                                                                         =
 </v:roundrect>=0A=
                                                                        =
<![endif]-->=0A=
                                                                        =
<a class=3D"fullWidth darkmodeFont1" =
href=3D"https://clicks.monzo.com/f/a/QMDPYS6ck9_9C-Q9PLb6bw~~/AAAHahA~/7j=
2Foearn2nAI9KREPf9l4C5G4_T8vp5RWm1SO5eTdKKwQNiiulBa4i5lXWq--KKQeCqZpEwiYM=
5OciPDJRlTk3SX5JN_71FtYerbKTII6rklCUURE_EPvWZJ9X7iNN0k_t9fTkkksOVOTzzZlcR=
zeDEpQYbQRMQPZqbygAvok4~" target=3D"_blank" =
style=3D"background-color:#2A91CC;background-image:url(https://cdn.braze.=
eu/appboy/communication/assets/image_assets/images/6614110c891a7306af043d=
a0/original.png?1712591116);border-radius:25px;color:#FFFFFF;display:inli=
ne-block;font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-size:16px;font-weight:bold;line-height:40px;text-align:ce=
nter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;mso-h=
ide:all;background-size:cover;background-position:center;">Create =
personal categories</a>=0A=
                                                                        =
</div>=0A=
                                                                      =
</td>=0A=
                                                                    </tr>=0A=
                                                              </table>=0A=
                              															</td>=0A=
                              														</tr>=0A=
                                                    </table>=0A=
                                                  </td>=0A=
                                                </tr>=0A=
                                          <!-- CTA End -->=0A=
                                        </table>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Module 4 End -->=0A=
=0A=
            <!-- Copy Start -->=0A=
            <tr>=0A=
              <td align=3D"center" style=3D"padding:0px 20px;">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"550" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:550px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                  <tr>=0A=
                    <td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:20px 0px 20px =
0px;">Find all of this and more in your <a =
href=3D"https://clicks.monzo.com/f/a/QEbPf4tZLSiW6rKixFkkew~~/AAAHahA~/ZF=
RGBgfk6ifXtxA_F0PhKB46EQpZiVCxoZaDWvNPtD4MXjThomdASgWq5hbPJ4SKDFRy0WydZyH=
KVSc5aCffHd0uh_HY9ZiGr-btukd8A88gG7emlc7WFU29o-Um8O_evTWgtCjoTG7Tiu5kcicO=
Tw~~" target=3D"_blank" style=3D"font-family:'MonzoSansB', Arial, =
Helvetica, =
sans-serif;font-weight:bold;color:#218FB7;text-decoration:underline;">Ext=
ra&nbsp;home</a>=0A=
                    </td>=0A=
                  </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Copy End -->=0A=
            =0A=
            =0A=
            =0A=
            <!-- Need help? Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" bgcolor=3D"#FFFFFF" =
class=3D"darkmode fullWidth" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                  <tr>=0A=
                    <td align=3D"center" class=3D"darkmodeFont2" =
style=3D"font-family:'Oldschool', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:30px 20px 30px =
20px;">=0A=
                      Need help?=0A=
                    </td>=0A=
                  </tr>=0A=
                  <tr>=0A=
                    <td align=3D"center" style=3D"padding:0px 0px 30px =
0px;">=0A=
                      <table align=3D"center" class=3D"fullWidth" =
width=3D"610" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td align=3D"center">=0A=
                            <table align=3D"left" class=3D"fullWidth" =
width=3D"192" border=3D"0" cellspacing=3D"0" ellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:192px;float:left;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center">=0A=
                                  <table class=3D"darkmode2" =
align=3D"center" bgcolor=3D"#F2F8F3" width=3D"192" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:192px;border-radius:10px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td width=3D"45" align=3D"left" =
style=3D"padding:20px 0px 20px 15px;width:40px;">=0A=
                                        <a =
href=3D"https://clicks.monzo.com/f/a/4JE2wKwhToAJHX-_3ZjaOA~~/AAAHahA~/o8=
ILHZvYQ3FFoxjOhxtjO5hYKZSF5g26azs99rLlparTzaG9_15U0Do853QqQgcmZW0rfJgOZhk=
UL2FFCrX95SOTVjLU8JUrlczrsHoanmzDztQE66H6UXzxntpLbmZ0KCzkOBQeS8k6URAhrm-3=
La7ROufDvp2UOLlH-s_zgYk~">=0A=
                                          <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/642aa10ccb770f40a23c3f1c/original.png?1680515340" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:30px;" width=3D"30" alt=3D"">=0A=
                                        </a>=0A=
                                      </td>=0A=
                                      <td class=3D"darkmodeFont1" =
align=3D"left" style=3D"font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:14px;line-height:20px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:0px 0px 0px 10px;">=0A=
                                        <a =
href=3D"https://clicks.monzo.com/f/a/4JE2wKwhToAJHX-_3ZjaOA~~/AAAHahA~/o8=
ILHZvYQ3FFoxjOhxtjO5hYKZSF5g26azs99rLlparTzaG9_15U0Do853QqQgcmZW0rfJgOZhk=
UL2FFCrX95SOTVjLU8JUrlczrsHoanmzDztQE66H6UXzxntpLbmZ0KCzkOBQeS8k6URAhrm-3=
La7ROufDvp2UOLlH-s_zgYk~" target=3D"_blank" class=3D"darkmodeFont1" =
style=3D"color:#111111;text-decoration:none;">Your =
account<br>details</a> =0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                            <!--[if mso]></td><td><![endif]-->=0A=
                            <table align=3D"left" class=3D"fullWidth" =
width=3D"12" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:12px;float:left;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td>=0A=
                                  &nbsp;=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                            <!--[if mso]></td><td><![endif]-->=0A=
                            <table align=3D"left" class=3D"fullWidth" =
width=3D"192" border=3D"0" cellspacing=3D"0" ellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:192px;float:left;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center">=0A=
                                  <table class=3D"darkmode2" =
align=3D"center" bgcolor=3D"#F2F8F3" width=3D"192" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:192px;border-radius:10px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td width=3D"45" align=3D"left" =
style=3D"padding:20px 0px 20px 15px;width:40px;">=0A=
                                        <a =
href=3D"https://clicks.monzo.com/f/a/atEAds8uTLpBYkN4M0gxBA~~/AAAHahA~/Ui=
k3t0ojiB_lQsY7dfljdNoE4qLpb-iIdpNJfaMvECxZRYE9bGEkXK1LjyIn_5AB0vQ1WkTyH6R=
FYSea-RDj13empMkM8OakSn93lgzL-RXGNmVzPSfXXcFrJvtxA-Um7siVq3qjFAcBbb8bQlZm=
-Q~~">=0A=
                                          <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/642aa1bb3110356bfeadd9d4/original.png?1680515515" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:30px;" width=3D"30" alt=3D"">=0A=
                                        </a>=0A=
                                      </td>=0A=
                                      <td class=3D"darkmodeFont1" =
align=3D"left" style=3D"font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:14px;line-height:20px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:0px 0px 0px 10px;">=0A=
                                        <a =
href=3D"https://clicks.monzo.com/f/a/OwgonQBHQU5cOQK4n9pMVg~~/AAAHahA~/-y=
gXqZXiA-utkYTY6tmuiMjxlsQ2-4hD6EvOBWxp7ZQABGOXOMO4-ZwU0yxzZ65gxsF1yRuE5OT=
Wgi-FiQRWQpjDk4DeS5AAwNnaRBDMTPTzTYpwBbjGFyOO04Sc0WIxX_A9VsiNrBnHWrwXukbV=
6g~~" target=3D"_blank" class=3D"darkmodeFont1" =
style=3D"color:#111111;text-decoration:none;">Help with<br>payments</a>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                            <!--[if mso]></td><td><![endif]-->=0A=
                            <table align=3D"left" class=3D"fullWidth" =
width=3D"12" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:12px;float:left;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td>=0A=
                                  &nbsp;=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                            <!--[if mso]></td><td><![endif]-->=0A=
                            <table align=3D"left" class=3D"fullWidth" =
width=3D"192" border=3D"0" cellspacing=3D"0" ellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:192px;float:left;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center">=0A=
                                  <table class=3D"darkmode2" =
align=3D"center" bgcolor=3D"#F2F8F3" width=3D"192" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt; =
mso-table-rspace:0pt;width:192px;border-radius:10px;" =
role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td width=3D"45" align=3D"left" =
style=3D"padding:20px 0px 20px 15px;width:40px;">=0A=
                                        <a =
href=3D"https://clicks.monzo.com/f/a/A6Fd2DGMHD_DKQ5vCgvUGA~~/AAAHahA~/5f=
c3bJ3yffjlWTk43Cxahy7EiG5wW7xxQYZTA5GX20T_NxHJ7JheKmsOgNzvBfTe88SAmCJFO8c=
qMnQxFsKhF1oM5rthpKf7xW5T0_ICgvi8p_Nl40XRZe97mG8s2NFi7peqpHuvy_1JMFIYTJYK=
zUAbGjDQiRCY_F5UmTlr0Cfjb_cAQ6L3qEYa5hJAyxPs">=0A=
                                          <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/642aa25cfa80e45bc6921a28/original.png?1680515676" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:30px;" width=3D"30" alt=3D"">=0A=
                                        </a>=0A=
                                      </td>=0A=
                                      <td class=3D"darkmodeFont1" =
align=3D"left" style=3D"font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:14px;line-height:20px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:0px 0px 0px 10px;">=0A=
                                        <a =
href=3D"https://clicks.monzo.com/f/a/A6Fd2DGMHD_DKQ5vCgvUGA~~/AAAHahA~/5f=
c3bJ3yffjlWTk43Cxahy7EiG5wW7xxQYZTA5GX20T_NxHJ7JheKmsOgNzvBfTe88SAmCJFO8c=
qMnQxFsKhF1oM5rthpKf7xW5T0_ICgvi8p_Nl40XRZe97mG8s2NFi7peqpHuvy_1JMFIYTJYK=
zUAbGjDQiRCY_F5UmTlr0Cfjb_cAQ6L3qEYa5hJAyxPs" target=3D"_blank" =
class=3D"darkmodeFont1" =
style=3D"color:#111111;text-decoration:none;">Your terms =
and<br>conditions</a>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                      </table>=0A=
                    </td>=0A=
                  </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Need help? End -->=0A=
                        =0A=
            =0A=
=0A=
            <!-- Awards Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                  <tr>=0A=
                    <td align=3D"center" style=3D"padding:40px 0px 30px =
0px;">=0A=
                      <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td>=0A=
                            <table align=3D"left" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"88" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:88px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;float:left;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center">=0A=
                                  <a href=3D"#">=0A=
                                    <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6780f40b2d3a560071ec1208/original.png?1736504331" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:88px;" width=3D"88" =
alt=3D"Which? Recommended Provider, Current Accounts, November 2024">=0A=
                                  </a>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                                  <!--[if mso]></td><td><![endif]-->=0A=
                                  <table align=3D"left" width=3D"29" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:29px;float:left;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td>=0A=
                                        &nbsp;=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                  <!--[if mso]></td><td><![endif]-->=0A=
                            <table align=3D"left" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"205" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:205px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
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alt=3D"Smart Money People, British Bank Awards: Best business banking =
provider - Winner 2024">=0A=
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